Not to single you out JD (but this post of yours was one of the shortest).
In this thread there are many references to junk food, sugary drinks and other unhealthy types of foods which over a period time can cause numerous and serious health problems leading to higher insurance premiums. No argument there. But, liquor is barely mentioned and certainly not elaborated upon. And, when mentioned, there have been no follow-up responses (as far as I recall). I imagine that alcohol illnesses raise health insurance rates as much as poor eating choices--maybe more if we were to include alcohol-related accidents. Why the downplay of alcohol in this thread?